In the U.S., the culture embraces risk and risk-takers, if most of us don't actually live out these ideals ourselves.
It seems employees in Japan don't want to risk unemployment, while companies don't want to risk losing employees, while apartments don't want to risk extending credit to anybody who doesn't have a job with a recognized company.
In the U.S. it could certainly be argued that we're way too credit and risk embracing. However, it's also very likely that most of our economic growth in the last century is because we've been able to get credit and that we're a society that takes risks. Americans can be irresponsible, but this description sounds like the other extreme.